Toyota RAV4 Hybrid Insurance Rates
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UPDATED: Apr 15, 2024
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The average insurance prices for a Toyota RAV4 Hybrid are $1,198 every 12 months including full coverage. Comprehensive insurance costs approximately $250, collision insurance costs $424, and liability is estimated at $388. Liability-only coverage costs approximately $434 a year, and high-risk coverage costs $2,584 or more. 16-year-old drivers cost the most to insure at up to $4,498 a year.
Average premium for full coverage: $1,198
Policy rates by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all RAV4 Hybrid models.
Price Range Variability
Using a middle-aged driver as an example, Toyota RAV4 Hybrid insurance rates range from the cheapest price of $434 for minimum levels of liability insurance to the much higher price of $2,584 for a high-risk insurance policy.
Urban vs. Rural Price Range
Living in a larger city can make a big difference on car insurance prices. Rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates how where you live affects auto insurance prices.
The examples above highlight why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below breaks down average Toyota RAV4 Hybrid insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $694
- Choosing higher $1,000 deductibles can save $154 every year
- The average price for a good driver age 40 who chooses $500 deductibles is $1,198
- Buying pricier low deductibles for comp and collision coverage costs an extra $294 annually
- Higher-risk drivers with multiple tickets or accidents could pay around $2,584
- Policy cost to insure a 16-year-old driver for full coverage can cost $4,498 each year
Insurance rates for a Toyota RAV4 Hybrid also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your RAV4 Hybrid.
Opting for high physical damage deductibles can save as much as $450 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $349 more each year. View Rates by Deductible or Liability Limit
A more mature driver with no violations or accidents and higher deductibles may pay as low as $1,100 annually on average, or $92 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $4,400 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are likely paying anywhere from $1,400 to $2,000 additional every year, depending on your age. Toyota RAV4 Hybrid insurance for high-risk drivers ranges from 44% to 130% more than the average rate. View High Risk Driver Rates
Your home state plays a big part in determining prices for Toyota RAV4 Hybrid insurance prices. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,710 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,080 | -$118 | -9.8% |
| Alaska | $916 | -$282 | -23.5% |
| Arizona | $994 | -$204 | -17.0% |
| Arkansas | $1,198 | -$0 | 0.0% |
| California | $1,362 | $164 | 13.7% |
| Colorado | $1,140 | -$58 | -4.8% |
| Connecticut | $1,226 | $28 | 2.3% |
| Delaware | $1,350 | $152 | 12.7% |
| Florida | $1,492 | $294 | 24.5% |
| Georgia | $1,104 | -$94 | -7.8% |
| Hawaii | $860 | -$338 | -28.2% |
| Idaho | $810 | -$388 | -32.4% |
| Illinois | $890 | -$308 | -25.7% |
| Indiana | $902 | -$296 | -24.7% |
| Iowa | $806 | -$392 | -32.7% |
| Kansas | $1,134 | -$64 | -5.3% |
| Kentucky | $1,630 | $432 | 36.1% |
| Louisiana | $1,770 | $572 | 47.7% |
| Maine | $738 | -$460 | -38.4% |
| Maryland | $988 | -$210 | -17.5% |
| Massachusetts | $954 | -$244 | -20.4% |
| Michigan | $2,076 | $878 | 73.3% |
| Minnesota | $1,000 | -$198 | -16.5% |
| Mississippi | $1,430 | $232 | 19.4% |
| Missouri | $1,062 | -$136 | -11.4% |
| Montana | $1,282 | $84 | 7.0% |
| Nebraska | $942 | -$256 | -21.4% |
| Nevada | $1,434 | $236 | 19.7% |
| New Hampshire | $864 | -$334 | -27.9% |
| New Jersey | $1,334 | $136 | 11.4% |
| New Mexico | $1,054 | -$144 | -12.0% |
| New York | $1,258 | $60 | 5.0% |
| North Carolina | $688 | -$510 | -42.6% |
| North Dakota | $978 | -$220 | -18.4% |
| Ohio | $824 | -$374 | -31.2% |
| Oklahoma | $1,226 | $28 | 2.3% |
| Oregon | $1,094 | -$104 | -8.7% |
| Pennsylvania | $1,140 | -$58 | -4.8% |
| Rhode Island | $1,592 | $394 | 32.9% |
| South Carolina | $1,084 | -$114 | -9.5% |
| South Dakota | $1,008 | -$190 | -15.9% |
| Tennessee | $1,044 | -$154 | -12.9% |
| Texas | $1,440 | $242 | 20.2% |
| Utah | $884 | -$314 | -26.2% |
| Vermont | $816 | -$382 | -31.9% |
| Virginia | $716 | -$482 | -40.2% |
| Washington | $920 | -$278 | -23.2% |
| West Virginia | $1,096 | -$102 | -8.5% |
| Wisconsin | $824 | -$374 | -31.2% |
| Wyoming | $1,062 | -$136 | -11.4% |
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Toyota RAV4 Hybrid | $320 | $542 | $332 | $1,330 |
| 2023 Toyota RAV4 Hybrid | $306 | $536 | $338 | $1,316 |
| 2022 Toyota RAV4 Hybrid | $296 | $524 | $354 | $1,310 |
| 2021 Toyota RAV4 Hybrid | $286 | $502 | $364 | $1,288 |
| 2019 Toyota RAV4 Hybrid | $260 | $450 | $384 | $1,230 |
| 2018 Toyota RAV4 Hybrid | $250 | $424 | $388 | $1,198 |
| 2017 Toyota RAV4 Hybrid | $240 | $380 | $390 | $1,146 |
Rates are averaged for all Toyota RAV4 Hybrid models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Right Toyota RAV4 Hybrid Insurance
Finding cheaper rates on insurance for a Toyota RAV4 Hybrid takes avoiding accidents and violations, having above-average credit, paying for small claims out-of-pocket, and consideration of higher deductibles. Take the time to comparison shop at least every other year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.
The list below is a quick rundown of the car insurance concepts touched on in the above illustrations.
- Drivers considered higher risk with reckless driving or DUI convictions could be charged and average of $1,390 more per year for car insurance
- You may be able to save around $140 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles could save as much as $450 each year
- Insureds who purchase higher liability limits will pay around $430 per year to raise limits from a 30/60 limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,498 |
| 20 | $2,748 |
| 30 | $1,242 |
| 40 | $1,198 |
| 50 | $1,094 |
| 60 | $1,074 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,492 |
| $250 | $1,354 |
| $500 | $1,198 |
| $1,000 | $1,044 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,198 |
| 50/100 | $1,276 |
| 100/300 | $1,373 |
| 250/500 | $1,625 |
| 100 CSL | $1,314 |
| 300 CSL | $1,528 |
| 500 CSL | $1,683 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $6,410 |
| 20 | $4,376 |
| 30 | $2,634 |
| 40 | $2,584 |
| 50 | $2,464 |
| 60 | $2,442 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $63 |
| Homeowner | $18 |
| 5-yr Accident Free | $86 |
| 5-yr Claim Free | $77 |
| Paid in Full/EFT | $53 |
| Advance Quote | $58 |
| Online Quote | $85 |
| Total Discounts | $504 |
Discounts are estimated and may not be available from every company or in every state.
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